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630 Country Estates Rd, Baxter, KY, 40806

1beds
1baths
640sqft
$129,900
$203price/sqft
$1,111/moest. monthly cost
$44,440/yrincome needed

About This Home

Located in Country Estates in Baxter, KY, at the end of a quiet cul-de-sac, you'll find this charming cottage with incredible potential. Whether you choose to complete the existing structure or expand it into a larger home, much of the groundwork is already done--electric, water, and septic are all in place, leaving you ready to bring your vision to life. The property features a private, wooded backyard for added seclusion, and uniquely includes ownership of the pond located in the center of the cul-de-sac. In addition, two extra lots at the entrance of the road are included, making this an excellent investment opportunity. Conveniently located just before entering the city of Harlan, this property offers easy access to numerous ATV trails, making it ideal for outdoor enthusiasts. Enjoy the peace of country living while being just minutes from town. This is a must-see property--come explore the possibilities and envision your dream home with a great head start already in place.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
4/10
Harlan County High SchoolGrades 9-123.2 mi
7/10

Construction

Condition

  • Year built: 2018

Materials

  • Construction materials: Vinyl Siding,Wood Siding,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: None

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Walk-In Closet(s)
  • Window features: Windows - Vinyl
  • Flooring: Other
  • Fireplace features: None

Heating & Cooling

  • Heating features: None,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 640
  • Total interior livable area: 640 sqft

Property

Details

  • Parcel number: 0684011177.05

Features

  • Has view: Yes
  • View description: Mountain(s),Country Setting

Lot

  • Lot size: 4.92 Acres
  • Features: Cul-De-Sac,Corner Lot,Irregular Lot

Parking

  • Parking features: Off Street,Main Level

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Inland Flooding
Winter Weather
Hail
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $656$7,872
Home Insurance *$211$2,532
Property Taxes $90$1,080
Electricity $154$1,850
Total$1,111$13,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,091/yr
40% on housing$33,330/yr
45% on housing$29,626/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 40806$65
Harlan County$78

vs Homes Sold Last Month

Median $/sqft

ZIP 40806
Harlan County$61

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-29Listed for sale$129,900

For Sale by Agent

AgentBeth Combs
BrokerageTurn Key Realty

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